Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
VGLI is life insurance for veterans and retired members of the military. While VGLI life insurance policies are only available if you had a SGLI policy during your time in the service, SGLI is much more valuable as it provides coverage for any cause of death. VGLI, on the other hand, has average coverage and rates increase dramatically as you get older. The most valuable feature of VGLI is that, so long as you have coverage in place, you can convert it to a whole life insurance policy at a top insurer without demonstrating your health.
Servicemembers Group Life Insurance
Veterans Group Life Insurance
OSGLI Payments & Claims
SGLI - Servicemembers Group Life Insurance
SGLI is term life insurance that all active duty servicemembers, as well as members of the Ready Reserve and National Guard, are automatically signed up for. Unlike a normal term life insurance policy, SGLI’s term of coverage is simply the time you’re on active duty, plus 120 days after. Veterans Affairs (VA) provides life insurance for servicemembers because many life insurance policies specifically exclude coverage for deaths due to acts of war or terrorism. SGLI covers every situation, and your beneficiaries will even receive a death benefit if you commit suicide.
You can have between $50,000 and $400,000 of coverage with SGLI and are automatically signed up for the maximum amount. SGLI’s monthly rates are simply $0.07 per $1,000 of death benefit, and you can add traumatic injury protection for $1 per month. So, if you had $400,000 of coverage, your monthly premium would be $28 or $29 with traumatic injury protection.
SGLI also offers the option of accelerating up to 50% of your policy’s death benefit (receiving it while still alive) if either you or your spouse becomes terminally ill. This benefit is common, but usually only applies to the policyholder.
VGLI - Veterans Group Life Insurance
When you leave active duty, you have 120 days to convert your SGLI coverage to a VGLI policy with no questions asked. If you don’t do so during this time window, you’ll have one year to take a medical exam and demonstrate that you’re healthy in order to enroll in VGLI. After 485 days, you won’t be able to apply for a VGLI policy.
Since you’re converting the SGLI policy, your VGLI life insurance policy will have the same amount of coverage. However, if you lowered your SGLI death benefit and want additional coverage, you can increase the size of your VGLI policy by $25,000 every 5 years (until the death benefit reaches $400,000 or you turn 60, whichever happens first). While VGLI policies are term life insurance, they renew each year and are available for the length of your life.
VGLI Life Insurance Rates
VGLI premiums are only determined by your age and how much coverage you have. Other factors such as your tobacco use and weight are not included in the cost. While this means VGLI’s life insurance rates are outstanding for overweight smokers with pre-existing medical conditions, they’re either average or high for healthy veterans. In addition, premiums increase every 5 years as you enter a new age bracket (such as 30 to 34).
We compared the cost of 50 years of coverage through VGLI against the cost of purchasing term or whole life insurance coverage for the same period of time through USAA. As you can see, VGLI’s rates are competitive for a young veteran, but soon overtake the cost of a whole life insurance policy. Over the course of 50 years, you would pay 74% more for VGLI than whole life insurance.
Age VGLI USAA Whole Life USAA Term Life
30-34 $25.00 $159.98 $24.99
35-39 $32.50 $159.98 $24.99
40-44 $42.50 $159.98 $24.99
45-49 $55.00 $159.98 $24.99
50-54 $90.00 $159.98 $24.99
55-59 $167.50 $159.98 $24.99
60-64 $270.00 $159.98 $126.65
65-69 $375.00 $159.98 $126.65
70-74 $575.00 $159.98 $126.65
75-79 $1,150.00 $159.98 $126.65
Average Monthly Premium $278.25 $159.98 $65.65
Sample life insurance rates are for a 30-year old male in great health purchasing $250,000 of coverage. Sample term life insurance rates are based upon an initial 30-year level term policy as well as a 20-year level term policy purchased at age 60.
Given the high premiums, instead of VGLI we would recommend you convert your VA life insurance policy to an individual life insurance policy. SGLI policies and VGLI policies can both be converted to permanent coverage with insurers the OSGLI partners with. Their partners include most of the top life insurance companies, such as MetLife, New York Life and Northwestern Mutual. Though you can only convert to a permanent policy, such as whole life or universal life insurance, you don’t have to demonstrate that you’re in good health.
Similarly, though the OSGLI also offers life insurance specifically for disabled veterans, it’s very limited coverage ($10,000 death benefit) and rates increase over time.
Office of Servicemembers Group Life Insurance (OSGLI) Payments & Claims
VGLI is offered through Prudential, you can create an account and handle everything related to OSGLI payments online. You can also update beneficiaries and change your payment schedule to monthly, quarterly or annually.
Claims are also handled directly through Prudential, not the OSGLI. As with any life insurance policy, make sure your beneficiaries are aware of the policy and have a copy in case they need to make a claim.
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